Agent Website Terms of Use

These Website Terms of Use explain the purpose and permitted use of this website. You do not need to create an account or accept a separate software agreement to read this website or submit a general request for assistance.

1. Purpose of the Website

This website provides general information about the identified agent or business, the types of insurance assistance offered, and ways to request information or contact the agent. It is intended to help consumers locate and communicate directly with the agent identified above.

2. General Insurance Information

Information on this website is general in nature. It is not a determination that:

• You qualify for a particular insurance product;
• A particular plan is available in your location;
• You qualify for a subsidy, tax credit, or enrollment period;
• A particular carrier or plan will accept an application;
• A particular provider, prescription, pharmacy, or service is covered;
• A plan is appropriate for your individual circumstances; or
• You will obtain a particular premium, benefit, savings, or financial result.

Insurance products, eligibility rules, premiums, benefits, formularies, provider networks, service areas, enrollment periods, and other terms may change. Plan-specific information should be verified before you make an insurance decision or submit an enrollment.

3. No Government Affiliation

This website is not Medicare.gov, HealthCare.gov, a state Health Insurance Marketplace, the Centers for Medicare & Medicaid Services, or another government website. References or links to government programs do not mean that a government agency sponsors, endorses, or approves this website, the agent, or the business.

Any required Medicare or other regulatory disclaimer displayed on the website provides additional information about the organizations and plans represented by the agent.

4. Contact Requests

Submitting a general contact or appointment form asks the agent identified on the form to respond to your request. Submitting the form does not:

• Enroll you in an insurance plan;
• Submit an insurance application;
• Bind insurance coverage;
• Guarantee eligibility, acceptance, benefits, or savings;
• Guarantee that the agent will accept you as a client;
• Authorize access to Medicare, medical, tax, or financial records;
• Constitute a Scope of Appointment unless a separate Scope of Appointment is completed; or
• Authorize disclosure to agents or businesses not identified on the form.

Viewing the website or submitting a message does not itself create insurance coverage or a formal agent-client relationship. A professional relationship may begin after the agent agrees to assist you and any required notices, authorizations, or agreements are completed.

5. Sensitive Information

Do not enter Social Security numbers, Medicare numbers, medical records, diagnoses, medications, provider information, banking information, tax information, immigration information, or insurance-application credentials into the general contact form. When sensitive information is necessary, the agent should provide an appropriate secure process.

6. Your Use of the Website

You agree to use the website lawfully and not to:

• Impersonate another person;
• Submit information about another person without authority;
• Submit fraudulent, threatening, abusive, defamatory, or unlawful content;
• Attempt to gain unauthorized access to the website or another person’s information;
• Introduce malware or harmful code;
• Interfere with the website’s security or operation;
• Use automated means to scrape or harvest information from the website;
• Use contact information displayed on the website for harassment, spam, or unlawful solicitation; or
• Copy or commercially exploit website content without authorization.

7. Third-Party Links and Services

The website may link to or use services provided by insurance carriers, government programs, Marketplaces, maps, calendars, scheduling systems, or other third parties. We do not control the content, availability, privacy, security, eligibility decisions, or business practices of those third parties. Use of a third-party website or service is governed by that third party’s terms and privacy policy. A link does not necessarily mean that we endorse or are affiliated with the third party.

8. Intellectual Property

The website’s content, design, text, graphics, photographs, logos, and other materials are owned by or used with permission from the applicable rights holder. You may view and print website content for your personal, noncommercial use. You may not copy, republish, sell, scrape, distribute, modify, or commercially exploit website content without permission from the applicable rights holder.

9. Website Accuracy and Availability

We make reasonable efforts to keep the website accurate and available, but do not guarantee that:

• Every item of information will always be complete or current;
• The website will operate without interruption or error;
• Every feature will be available on every device;
• An email, message, or form submission will always be delivered successfully; or
• A third-party website or service will remain available.

We may correct, update, suspend, or discontinue website content or features when reasonably necessary. For time-sensitive insurance or enrollment matters, contact the agent directly using the telephone number or email address displayed on the website.

10. Disclaimers and Limitations

To the extent permitted by applicable law, the website and its general content are provided on an “as available” basis. We are not responsible for:

• A third-party website or service;
• A carrier, Marketplace, or government eligibility or enrollment decision;
• Changes made by a carrier, government program, provider network, pharmacy network, or formulary;
• An interruption or technical failure outside our reasonable control; or
• Indirect or consequential losses arising solely from use or unavailability of the general website.

Nothing in these Terms limits:

• A right or remedy that cannot legally be limited;
• Responsibilities arising from insurance services the agent actually agrees to provide; or
• Liability for fraud, intentional misconduct, or other liability that applicable law does not permit to be excluded.

11. Website Technology Provider

Ardor Service, LLC d/b/a Informed + Choice supplies website, hosting, contact-request, security, and related software technology. The technology provider is not the insurance agent or business identified on this website; does not provide insurance, legal, tax, financial, or medical advice through this website; does not verify or supervise the agent’s professional services; and does not make carrier, Marketplace, or government eligibility or enrollment decisions.

Visiting the website or sending a request does not create an insurance-agent, advisory, fiduciary, client, or software-subscription relationship with the technology provider. The identified agent remains responsible for insurance statements, communications, and professional services the agent provides.

12. Privacy

The Privacy Policy explains how information collected through this website is handled.

13. Changes to These Terms

These Terms may be updated when the website, services, or applicable requirements change. The Effective Date at the top identifies the current version. Changes apply prospectively unless applicable law requires otherwise.

14. Contact

Questions about this website or these Terms may be directed to:

Questions specifically concerning website technology may be directed to Ardor Service, LLC d/b/a Informed + Choice at support@informedpluschoice.com.